Bank call report · Gloucester, MA
Cape Ann Savings Bank Call Report
BankRegReports is independent of Cape Ann Savings Bank and never asks for online banking logins or passwords.
Cape Ann Savings Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 344 reported line items, schedule by schedule (775 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 627108 |
| FDIC certificate number | 90203 |
| Total assets | $1.07B |
Official Q2 2026 call report PDF (FFIEC) →
Cape Ann Savings Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Cape Ann Savings Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.07B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.07B |
| Total Liabilities and Minority Interest | RCON2948 | $853.2M |
| Total Deposits | RCON2200 | $804.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $735.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $731.3M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $729.6M |
| Undivided Profits and Capital Reserves | RCON3632 | $217.5M |
| Total Equity Capital | RCON3210 | $216.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $216.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $145.8M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $95.9M |
| Deposits: Noninterest-bearing | RCON6631 | $73.5M |
| Interest-bearing Balances | RCON0071 | $50.2M |
| Other Liabilities, Total | RCON2930 | $29.1M |
| Other Assets | RCON2160 | $27.0M |
| Other Borrowed Money | RCON3190 | $19.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $18.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$920K |
| Intangible Assets | RCON2143 | $16K |
Schedule RI: Income Statement (36 items)
About Schedule RI · Cape Ann Savings Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $22.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $18.3M |
| Net Interest Income | RIAD4074 | $14.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $12.7M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $12.2M |
| Total Noninterest Expense | RIAD4093 | $9.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $9.0M |
| Net Income (Loss) | RIAD4340 | $9.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $9.0M |
| Total Interest Expense | RIAD4073 | $8.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $6.9M |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $5.3M |
| Salaries and Employee Benefits | RIAD4135 | $5.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $3.9M |
| Other Noninterest Expense | RIAD4092 | $3.5M |
| Applicable Income Taxes | RIAD4302 | $3.2M |
| Total Noninterest Income | RIAD4079 | $2.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.6M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $2.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.8M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.2M |
| Interest on Other Securities | RIAD4060 | $1.2M |
| Other Noninterest Income | RIADB497 | $872K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $870K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $513K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $463K |
| Other Interest Expense | RIADGW44 | $377K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $169K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $60K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $46K |
| Provision for Loan and Lease Losses | RIAD4230 | $30K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $17K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $4K |
| Net Servicing Fees | RIADB492 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 80 |
Schedule RC-B: Securities (14 items)
About Schedule RC-B · Cape Ann Savings Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $148.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $67.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $66.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $60.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $52.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $52.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $51.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $29.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $27.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $27.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $472K |
Schedule RC-C, Part I: Loans and Leases (30 items)
About Schedule RC-C, Part I · Cape Ann Savings Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $735.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $486.7M |
| Pledged Loans and Leases | RCONG378 | $321.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $211.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $207.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $91.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $87.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $85.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $80.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $75.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $60.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $55.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $39.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $36.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $35.4M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $21.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $20.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $17.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $15.9M |
| Commercial and Industrial Loans | RCON1766 | $14.3M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $14.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $13.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $12.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $9.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.9M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $2.8M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.2M |
| Other Loans | RCONJ464 | $27K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $10K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $4K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $44.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $6.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $885K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $736K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $287K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 107 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 93 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 43 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 29 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 22 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 21 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 19 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 6 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 3 |
Schedule RC-E: Deposit Liabilities (25 items)
About Schedule RC-E · Cape Ann Savings Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $593.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $591.1M |
| Total Transaction Accounts | RCON2215 | $211.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $211.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $191.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $149.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $139.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $136.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $120.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $113.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $111.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $92.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $92.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $73.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $54.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $42.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $35.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $28.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $15.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $10.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.8M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $258K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $172K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $65K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $16.3M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $4.5M |
| Accrued Interest Receivable | RCONB556 | $3.5M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.3M |
| Other Assets | RCON2168 | $1.3M |
| Prepaid Expenses | RCON2166 | $605K |
Schedule RC-G: Other Liabilities (9 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Liabilities | RCON3049 | $19.3M |
| All Other Liabilities | RCON2938 | $7.5M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $3.8M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $2.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.0M |
| Operating lease liabilities | RCONLB56 | $423K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $209K |
| Accounts Payable | RCON3066 | $72K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $25K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Cape Ann Savings Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.06B |
| Quarterly Average of Total Loans | RCON3360 | $727.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $544.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $247.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $207.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $163.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $136.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $135.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $117.7M |
| All Other Securities | RCONB560 | $93.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $55.3M |
| Mortgage-backed Securities | RCONB559 | $27.8M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $19.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $14.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $2.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $1.5M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Cape Ann Savings Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $62.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $22.3M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $20.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $14.2M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.2M |
Schedule RC-M: Memoranda (10 items)
About Schedule RC-M · Cape Ann Savings Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $16.5M |
| FHLB Advances: Structured Advances | RCONF059 | $11.5M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $10.6M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $5.0M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $2.8M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $2.8M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.2M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $16K |
| Mortgage Servicing Assets | RCON3164 | $16K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Cape Ann Savings Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.8M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.7M |
| Additions to Nonaccrual Assets | RCONC410 | $2.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $1.2M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $933K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $905K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $524K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $406K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $284K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Cape Ann Savings Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.06B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $804.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $451.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $298.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $215.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $35.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $19.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 28,508 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,028 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 482 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 34 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Cape Ann Savings Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $793.7M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Cape Ann Savings Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.06B |
| Average total consolidated assets | RCOAKW03 | $1.06B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $793.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $223.9M |
| Retained Earnings | RCOAKW00 | $217.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $217.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $217.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $217.5M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $216.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $6.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $6.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $6.4M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$2.2M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $1.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$920K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.282 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.274 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.274 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.2048 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.202 |
Schedule RC-R, Part II: Risk-Weighted Assets (59 items)
About Schedule RC-R, Part II · Cape Ann Savings Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $793.7M |
| Total Risk-weighted Assets | RCONG641 | $793.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $551.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $547.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $535.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $484.0M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $277.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $277.2M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $273.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $258.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $241.8M |
| Risk-weighted Assets by Risk-weighted Category - 300 Pct Risk Weight Category | RCONS574 | $222.8M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $183.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $131.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $119.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $119.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $84.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $84.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $81.4M |
| Available-for-sale Securities - 300 Pct Risk Weight Category | RCONS405 | $74.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 300 Pct Risk Weight Category | RCONS563 | $74.3M |
| Total Balance Sheet Assets - 300 Pct Risk Weight Category | RCONS505 | $74.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $67.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $67.5M |
| Unconditionally Cancellable Commitments | RCONS540 | $62.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $59.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $53.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $51.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $50.6M |
| Total All Other Assets | RCOND981 | $45.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $38.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $29.8M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $21.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $18.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $16.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $11.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$9.2M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $4.5M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $4.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$3.0M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.2M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $962K |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $899K |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $388K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $377K |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $40K |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $31K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $31K |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $31K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $16K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $16K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $16K |
Schedule RC-T: Fiduciary and Related Services (40 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $480.5M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $183.5M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $119.4M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $119.2M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $119.2M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $55.6M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $16.8M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $11.3M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $3.9M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $3.4M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $3.4M |
| Corporate Trust and Agency Accounts - Managed Assets | RCONB884 | $2.7M |
| Income from Fiduciary Activities | RIAD4070 | $1.9M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $1.3M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $765K |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $655K |
| Personal Trust and Agency Accounts | RIADB904 | $559K |
| Other Retirement Accounts | RIADB907 | $387K |
| Other Fiduciary and Related Services Income | RIADB910 | $190K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $135K |
| All Other Fiduciary Income | RIADA480 | $10K |
| Custody and Safekeeping Accounts | RIADB909 | $9K |
| Other Fiduciary Accounts - Managed Assets | RCONB890 | $1K |
| Other Fiduciary Accounts - Non-managed Assets | RCONB891 | $1K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 943 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 422 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 422 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 302 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 137 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 136 |
| Other Fiduciary Accounts - Number of Non-managed Accounts | RCONB893 | 101 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 41 |
| Other Fiduciary Accounts - Number of Managed Accounts | RCONB892 | 41 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 22 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 8 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 8 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 6 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 3 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 3 |
| Corporate Trust and Agency Accounts - Number of Managed Accounts | RCONC001 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $216.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $208.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $208.9M |
| Other Comprehensive Income | RIADB511 | -$1.4M |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Cape Ann Savings Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $6.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.2M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $30K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $2.6M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $2.6M |
Cape Ann Savings Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Cape Ann Savings Bank call report?
The Cape Ann Savings Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Cape Ann Savings Bank file?
Cape Ann Savings Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Cape Ann Savings Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Cape Ann Savings Bank has Federal Reserve RSSD ID 627108 and FDIC certificate number 90203. Either one finds its filings on the FFIEC Central Data Repository.
How often does Cape Ann Savings Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Cape Ann Savings Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 90203) · FFIEC NIC profile (RSSD 627108)